Sunday, September 27, 2026
Business Funding, Made Simple
Fast, flexible business purpose funding from $5,000+. Get pre-qualified and track every stage in one place.
Always Free
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Unlock every feature of our platform — start applications, save your progress, get pre-qualified, and track your funding from start to finish. It's always free, with no commitment.
- Start & track applications
- Save progress and resume anytime
- Get pre-qualified in minutes
- Free forever — no commitment
Always speak with a real, live person during your funding process! -
From your first call to the day you're funded, you'll work with a dedicated funding specialist who knows your file by name. No call centers, no phone trees, — real people guiding you through every step.
Options for working capital, equipment, inventory, expansion, payroll, and commercial vehicles.
Industries We Fund
Capital for 116+ business types
From restaurants and clinics to manufacturers and retailers — we finance brick-and-mortar businesses nationwide.
Minimum Qualifications
What you need to qualify for funding
Straightforward minimums from ARF Financial — meet these four and you're on your way to a same-day soft quote with no credit impact.
Brick-and-mortar business in one of our 100+ approved industries.
Less-than-perfect credit is okay — we work with scores from 575 up.
You must own the business and operate under the same ownership for at least 30 days.
At least $17,000/month ($200,000/year) from credit card and cash combined.
Our Funding Products
Rates & Details →Merchant Cash Advance
$5,000 – $450,000 · Typically 6–9 months
Receive a lump sum upfront in exchange for a fixed amount of your future credit card sales.
Amount
$5,000 – $450,000Term
Typically 6–9 monthsFunding Speed
Approved within 24–48 hoursRepayment
Percentage of daily credit card receiptsWorking Capital Loan
$5,000 – $1,000,000 · Up to 36 months
Fund everyday operations and bridge short-term cash flow gaps with a true bank loan.
Amount
$5,000 – $1,000,000Term
Up to 36 monthsFunding Speed
Funding in less than a weekRepayment
Fixed weekly paymentsBusiness Line of Credit
$5,000 – $750,000 · Up to 36 months
An approved credit line you draw from as needed — only pay for what you borrow.
Amount
$5,000 – $750,000Term
Up to 36 monthsFunding Speed
Approved in 24–48 hoursRepayment
Fixed weekly payments per draftRevolving Line of Credit
$5,000 – $1,500,000 · Up to 36 months
A revolving line of credit with fixed weekly payments and the flexibility to draw or pay down on demand.
Amount
$5,000 – $1,500,000Term
Up to 36 monthsFunding Speed
Funds in as little as 3–5 business daysRepayment
Fixed weekly paymentsInterest-Only Revolving Line of Credit
$200,000 – $1,000,000 · Up to 36 months
Pay only the interest on your outstanding balance for up to a year, with a powerful revolving credit line.
Amount
$200,000 – $1,000,000Term
Up to 36 monthsFunding Speed
Approved in 24–48 hoursRepayment
Interest-only for up to 1 yearFlex Pay Loan
$5,000 – $750,000 · Up to 36 months
Defer up to 50% of your loan principal into the future for the lowest payment now.
Amount
$5,000 – $750,000Term
Up to 36 monthsFunding Speed
Funding in less than a weekRepayment
Fixed weekly paymentsToday on the Blog
Why 2026 Is the Year to Ditch Traditional Bank Loans
Tired of waiting weeks for bank approvals? Discover why small businesses are shifting to faster, flexible funding alternatives in 2026.
My Applications
View All →Our lender has over 25 years of experience
A proven track record funding brick-and-mortar businesses nationwide.
25+ yrs
Lending experience
$1B+
Approved since 2001
6,000+
Businesses funded
24–48 hrs
Typical approval
Social Proof
Businesses Our Lenders Have Recently Funded
Real scenarios from recent fundings — see how owners put capital to work to grow their businesses.
Family Restaurant
Austin, TX
Working Capital Loan
Use: Remodel & expand dining room
Outcome: Added 40 seats and doubled weekend covers within three months of reopening.
Neighborhood Wine & Spirits
Denver, CO
Working Capital Loan
Use: New walk-in wine cooler & inventory
Outcome: Chilled bottle selection lifted wine sales by 35% in the first quarter.
Independent Bicycle Shop
Portland, OR
Business Line of Credit
Use: Bulk inventory purchase at volume discount
Outcome: Locked in a 20% supplier discount and deferred first payment 30 days.
Mobile Food Operator
New York, NY
Flex Pay Loan
Use: Purchase of a second food truck
Outcome: Doubled daily revenue by covering a second high-traffic route.
Beauty Salon & Spa
Miami, FL
Revolving Line of Credit
Use: Renovations and new treatment rooms
Outcome: Added two styling stations and grew service revenue over 40% year-over-year.
Dental Practice
Phoenix, AZ
Interest-Only Revolving Line
Use: New imaging equipment & build-out
Outcome: Interest-only period preserved cash flow while the expansion paid for itself.
Business Loan Calculator
See how much you could qualify for
Move the sliders below to indicate your business’s annual sales, time in business, and credit score, then tell us about your homeownership and bankruptcy history. We’ll show your potential loan amount across 12, 18, 24, and 36-month terms.
Homeowner?
Bankruptcy?
This Loan Calculator is intended for illustrative purposes only and does not represent a specific loan offer or terms. A specific loan proposal can only be provided after completion of an application and underwriting review. Estimates are based on pre-underwriting guidelines and may change based on verification of financials, credit, and other factors.
Earn by referring businesses to NBP Funding
Know business owners who need capital? Become a partner and earn 1% of every funded deal you refer — with bonus tiers that pay even more as you grow. It's free to join, and we handle the rest.
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